Nubank customers saved $ 29 million in one year via strategic partnerships

São Paulo, January 13, 2026 – Nubank enters 2026 boasting a customer base of over 110 million in Brazil, representing roughly 61% of the adult population. To date, these users have collectively saved $ 20.5 billion in fees. Still, the company is looking to further reward trust by rolling out a suite of initiatives designed to tighten ties with its customer base, particularly the 60% of users who now consider Nu their primary banking relationship.

With the goal of optimizing the entire financial lifecycle, Nubank has significantly bolstered its customers’ savings capacity. Strategic partnerships with companies such as Uber, iFood, Shopee, OpenAI, and Burger King resulted in $29 million in savings for the base throughout 2025.

Livia Chanes, CEO of Nubank Brazil, detailed these ventures in the first Nu Videocast of 2026. Highlights include the Caixinhas Turbo (Turbo Money Boxes) launched last year, which pair enhanced yields with immediate liquidity. “When you bring your money, you get something, right? This is what people expect these days”, the CEO said. “Transparency and a kind of a two-way relationship that is good for everyone.”

Chanes emphasized that recognizing engagement isn’t reserved only for those with surplus capital. In 2025, Nubank launched its most ambitious debt renegotiation programme to date, enabling over 6 million customers to repair their personal finances and build a more resilient future.

This remains a core strategic pillar. The company estimates that over 75% of customers who had previously defaulted normalised their standing within 12 months. Concurrently, the secured credit portfolio, including payroll loans and FGTS-backed loans, surged by 133% in value.

Systemic impact 

The effects of Nubank’s scale — and the fintech sector at large — are being felt across the broader financial ecosystem. An IMF study attributed a 2.9 percentage point drop in Brazilian interest rates to increased competition, highlighting the disruptive power of digital platforms. Regarding the ongoing fiscal debate, Chanes stated that based on public filings, Nubank was the single largest taxpayer among financial institutions in Brazil in 2025.

Performance and recognition 

This deepened user relationship is yielding strong financials, with ARPAC reaching a record US$ 13.5 in Brazil as of Q3’25. Despite this scale, the firm continues to set benchmarks in customer service. “Because we are digital, we need to be 10x more human,” Chanes remarked. The strategy is paying off: for four consecutive quarters in 2025, Nubank maintained the lowest complaint index in the Central Bank rankings.

While the figures are impressive, Chanes maintains the firm’s signature “Day 1” mentality. “We’re going to continue to keep improving our products,” she said, pointing to the under-18 segment and SMEs. “We reached 61% of the adult population. There’s still 39 out there, right?” she joked. “There is still a lot for us to grow Nubank in Brazil. We’re far from reaching any kind of constraint.”